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CITI CLIs

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Super Contributor

CITI CLIs

So if you request a CLI early, does that rest your 6 month timeframe to request your next CLI?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 1 of 21
20 REPLIES 20
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Community Leader
Mega Contributor

Re: CITI CLIs

No, only if approvedSmiley Happy
Message 2 of 21
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Super Contributor

Re: CITI CLIs

For real? I knew that CSR didn’t know they were talking about!
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 3 of 21
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Community Leader
Mega Contributor

Re: CITI CLIs

Lol, dont quote me on it thoughSmiley Wink. I just dont believe there is a set time period. Maybe @K-in-Boston or @UncleB remembers hearing anything about this.
Message 4 of 21
Highlighted
Moderator

Re: CITI CLIs

An early request definitely doesn't reset the clock.

 

More than once I've "jumped the gun" by a few days and my CLI was denied, but when I tried again a few days later it was approved.  The last time was June 2019.

Message 5 of 21
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Community Leader
Mega Contributor

Re: CITI CLIs

Thats what i figured. I cant get sny sp luv on my DC or DP. Even now my DP says its not eligbleSmiley Sad. Thanks Macys AmexSmiley Wink
Message 6 of 21
Highlighted
Moderator

Re: CITI CLIs

@UncleB is 100% correct. I lost count of how many times I asked too early. Asking early (or a denial, which I got for the first time a few months back, followed by a $2k CLI a few weeks later) never resets the clock. But any approval starts a 6 calendar month clock.
Message 7 of 21
Highlighted
Super Contributor

Re: CITI CLIs

Thank you guys so much for the confirmation I’m about to go try.

My only problem is going to be Macy’s and Macy’s Amex as well. Should I do a CLD on the Macy’s? Before I ask? They’ve already got a greater exposure to me than anyone.

I know that’s going against the grain being a MF’er, But I’d rather have it on a bank card. Is initiating a CLD hard? I’ve never done that before. How would you do it on Macy’s Joe? LOL
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 8 of 21
Highlighted
Moderator

Re: CITI CLIs

Oh I didn’t realize we were talking about Citi-backed retail cards instead of Citi credit cards. The rules for all of those will be different, and in many cases a CLI will be a HP.
Message 9 of 21
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Moderator

Re: CITI CLIs


@K-in-Boston wrote:
Oh I didn’t realize we were talking about Citi-backed retail cards instead of Citi credit cards. The rules for all of those will be different, and in many cases a CLI will be a HP.

Ah, me either... yep, that could definitely change things.

Message 10 of 21
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